Check ’n Go Payday Loan Review

Check ’n Go Payday Loan Review


6 Min Read

Searching for payday loans may be challenging, especially when you don’t know where and how to find one. There are so many companies that make your task difficult. One of them is Check ‘n Go – a small business founded 25 years ago to help Americans overcome their financial emergencies. You can check their reviews on Better Business Bureau (BBB). Let’s look closer at this service and find out if Check ‘n Go suits your situation.


  • Funds might be available through direct deposit before the following banking business day if approved.
  • Bad credit or no credit scores might be approved.
  • They have extended payment plans.
  • Vast number of available services.


  • APRs might be high.
  • Loans are not accessible in every state.
  • Loan amounts are limited.
  • A bank account number is needed.

Things to Know about Check ‘n Go Online Payday Loan

Before you apply for payday loans from Check ‘n Go, let’s dive deeper into its features and discover opportunities for your financial situation.

High APRs

Their high-interest rates and APRs may reach 360% in some states. You may receive different interest rate offers depending on the loan amount and your credit score.

Potentially Hard Credit Check

Check ‘n Go may perform a detailed credit verification through a major credit bureau. It can affect your credit score by several points. So, if you have a poor credit score, consider improving it.

Fast Funding

If you apply for payday loans today, you can receive your money within one business day. While lending payday loans, installment loans, or cash advances, Check ‘n Go can’t process loans on a non-business day. For example, if you submit the loan application on Friday evening, you’ll receive your money in your bank account on Monday morning.

Wide Range of Services

Check ‘n Go provides many financial services, such as payday loans, cash advances, installment loans, check cashing services, and Netspend Prepaid Mastercard. You can repay these products and services with electronic payments on your next payday because they have all the online processes fixed and created for your convenience.

How to Apply with Check ’n Go?

Check ‘n Go loans aren’t accessible in every state. However, if they are accessible in your area, you can apply in person or online.

Check ‘n Go will ask for basic personal information if you apply online. You can attach supporting documents, such as pay stubs, to your online application. If you are approved, you will get a loan offer and a repayment plan. You sign the loan agreement if you agree to the terms and conditions.

To be eligible and apply for a Check ‘n Go loan, you must provide the following information:

  • Complete name and surname;
  • Birth date;
  • Physical address;
  • Email address;
  • Driver’s license or state identification number (valid ID card);
  • Number of Social Security;
  • Income proof;
  • Active checking account with direct deposit options.

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Alternatives for Check ’n Go

Don’t want to deal with the Check ‘n Go company? Try the alternative options that we’ve prepared for you.


SpotLoan is a service that allows you to borrow a wide range of loan products. Unlike Check ‘n Go, they accept all credit scores, regardless of your payment history. SpotLoan doesn’t report your payments to the major credit bureaus or check your credit report. However, their loan amounts are limited between $300 and $800.


MoneyTree is another company that you may choose instead of the Check ‘n Go service. It is a legitimate institution that helps you get installment, personal, and short-term loans. You can borrow from $100 to $5,000 here, but ensure you get reasonable loan offers. Some of the interest rates may be higher than you expected.

Ace Cash Express

Another service is Ace Cash Express, where you can borrow small personal loans up to $2,000. They also provide many loan products and services, such as title loans, debit cards, tax and check cashing services. Ace Cash Express loans are available in all states. Their main advantage is that you can cancel your loan within 72 hours.

Speedy Cash

Consider Speedy Cash when you don’t want to deal with short-term repayment plans. They provide more flexible terms for their loan. Their borrowers can get a suitable repayment schedule of up to 24 months and convenient monthly payments.

Final Verdict

If you need only $500, this service is a good option. But you should ensure you get the best loan interest rate for your needs. If you need to cover more significant expenses, Check ‘n Go doesn’t have any larger loans to offer. In this case, you must shop around for an installment loan with fixed monthly payments. We suggest you avoid longer repayment terms that could increase the APRs.

Frequently Asked Questions

Do I need an active checking account to apply for a payday loan from Check ‘n Go?

Yes, you won’t get approved for a loan if you don’t have a bank account in your name.

Do their installment loans have longer repayment terms?

Yes, you can get an offer with a maximum repayment term of 24 months or more, depending on your loan amount.

Can I get a payday loan with bad credit or no credit score?

Check ‘n Go can’t confirm that you’ll get guaranteed approval with bad or no credit. To get more information, submit your application. However, you’ll get higher interest rates for bad credit loans from Check ‘n Go if approved.

What happens if I default on my Check ‘n Go installment loan?

If you default on your installment loan, Check ‘n Go may sue you in court, and you may have to pay court fees and attorney costs.

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Edward Evans

Written by Edward Evans

Written by Edward Evans

Edward Evans is a money management expert and a freelance author of personal finance columns. He aims to provide accessible financial advice to improve financial literacy for average Americans and inspire them to take control of their personal finances and build wealth.

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